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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $161,732 | $65,246+147.9% | $98,716+63.8% | $67,986+137.9% |
| Participation rate | 36.6% | 51.4%-14.8pp | 69.3%-32.7pp | 57.2%-20.6pp |
| Annual return | 15.76% | 20.58%-4.8pp | 31.81%-16.1pp | 31.67%-15.9pp |
| Employer contribution / active EE | $1,634 | $1,042+56.8% | $2,279-28.3% | $2,019-19.0% |
| Participant deferral / active EE | $3,651 | $2,594+40.7% | $4,048-9.8% | $3,358+8.7% |
| Admin fee / account holder | $24,760 | $4,561+442.9% | $8,703+184.5% | $3,203+673.0% |